Home Loan Options in Irvine, CA
When it comes to securing a home mortgage in Irvine and the surrounding CA, San Bernardino, and Riverside Counties in Southern California, you need more than just a lender — you need a team that truly understands the community, the market, and your unique situation. That’s where we come in. At Daniel David Home Loans, we’re proud to offer a full range of lending services designed to meet you exactly where you are today — and help you get to where you want to be tomorrow.
So regardless of whether you’re looking for your very first home near the beautiful parks of Northwood, upgrading to a larger place in Westpark, or investing in rental properties around Woodbury, we have the programs, expertise, and hometown knowledge to guide you.
Mortgage Lending Designed for Today’s Buyers
At Daniel David Home Loans, mortgage lending isn’t just about rates and paperwork. It’s about creating opportunities. Our team offers flexible solutions, fast turnaround times, and a full-service, in-house process so you can move quickly and confidently in Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California’s competitive market.
We know that no two buyers are alike, and we make it our mission to match you with a home loan that fits your lifestyle, not just your credit score.
Our Core Loan Services
Loans:
We offer a broad range of traditional and non-traditional loan products — from FHA and VA home loans to jumbo mortgages and interest-only loans. Whether you’re buying a family home near the University of California, Irvine campus or a sleek condo in the Irvine Business Complex, we’ll help you find the right fit.
Refinancing:
If you’re already a homeowner in Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California, refinancing could lower your payment, shorten your term, or tap into the equity you’ve built. With home values on the rise across the city, it’s a great time to explore refinancing options tailored to your goals.
First-Time Home Buyers Mortgages:
Buying your first home is exciting — and a little intimidating. We offer educational support, down payment assistance programs, and low-rate mortgage options to make the journey as smooth as possible.
Repeat Homebuyers Mortgages:
Moving up? Whether your family is growing or you’re ready for a fresh start in a new Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California neighborhood, we’ll help you secure financing that makes sense for your next chapter.
Specialized Loan Options for Business Owners and Entrepreneurs
Non-QM Mortgages:
Not everyone fits into a traditional loan box — and that’s okay. Our Non-Qualified Mortgage (Non-QM) options help self-employed buyers, business owners, and investors qualify without jumping through the usual hoops.
Bank Statement Home Loans:
Use your personal or business bank statements to qualify, instead of tax returns. Perfect for entrepreneurs who invest heavily in their businesses and want their cash flow — not just their taxes — to tell their story.
Profit and Loss (P&L) Home Loans:
We offer programs that allow you to use a P&L statement prepared by your CPA to qualify, making it easier for small business owners to buy a home in today’s market.
DSCR Home Loans for Investors:
Debt Service Coverage Ratio (DSCR) loans are ideal for rental property investors. Instead of focusing on your income, we qualify you based on the cash flow from the investment property.
Flexible Options for Diverse Buyers
Investor Home Loans & Rental Home Loans:
Looking to grow your portfolio? Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California’s thriving rental market is ideal for investors. We have programs that make buying or refinancing investment properties simple and streamlined.
Fix and Flip Home Loans:
For those who see potential everywhere — we offer quick-turnaround, asset-based loans to fund your fix-and-flip projects across Orange County.
Hard Money Home Loans:
Need funding fast? Our hard money options get you to the closing table quickly when time is critical.
Business Owner and Self-Employed Home Loans:
We specialize in working with entrepreneurs, freelancers, and business owners who may not have “traditional” income but have the drive and financial health to buy confidently.
No Tax Returns and No Income Verification Home Loans:
If traditional documentation is an issue, we have solutions that focus on your broader financial picture.
Verification of Employment-Only Home Loans
If you’re salaried or employed but prefer a simplified process, these loans rely solely on employment verification—no tax returns or extensive documentation required.
Traditional Programs
- FHA Loans
Government-backed loans from the Federal Housing Administration designed for first-time and low-to-moderate-income homebuyers. They offer low down payments, flexible credit requirements, and competitive interest rates. - Conventional Loans
Traditional home loans not insured by the government. Ideal for borrowers with good credit, steady income, and a strong financial history. They offer flexible terms and can be used for primary homes, second homes, or investment properties. - VA Loans
Available to eligible veterans, active-duty service members, and certain military spouses. Backed by the Department of Veterans Affairs, these loans offer no down payment, no private mortgage insurance (PMI), and favorable interest rates. - Down Payment Assistance Loans
Designed to help qualified buyers cover their down payment and/or closing costs. These programs are often offered by state or local housing agencies and may come in the form of grants, forgivable loans, or second mortgages.
No matter what your situation looks like today, we’ll walk with you, step-by-step, until you’re holding the keys to your new Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California home.
Frequently Asked Questions
Do you offer Spanish-speaking services?
Can I qualify for a home loan if I’m self-employed?
How fast can I close on a home loan?
Do you offer help with credit repair?
Let’s Build Your Future in Irvine or the surrounding California Areas
Here at Daniel David Home Loans, we believe that buying a home should feel empowering — not overwhelming. We’re also truly passionate about helping people find their place in our incredible community, whether it’s settling near Quail Hill’s walking trails or living just minutes from the vibrant shops and cafes of Irvine Spectrum. So if you’re ready to explore home loans in Orange County and the surrounding LA, San Bernardino, and Riverside Counties in Southern California, or simply want expert guidance from a friendly, experienced team, we’re here to help. Call us today at 949-616-4267 and let’s make the home you’ve been dreaming about a reality — together!